Review your policy
We identify every coverage, endorsement, exclusion, and deductible relevant to your loss.
Florida-licensed public adjusters working exclusively for you.
No up-front fees. No recovery, no fee. We represent policyholders from intake through settlement, and beyond to appraisal, mediation, or Civil Remedy Notice when carriers will not pay fairly.
License
FL DFS #W829547
Experience
21 years · 500+ mediations
Rating
4.9★ (86 Google reviews)
Fee
No recovery, no fee
Short answer: According to Fla. Stat. 626.854, a Florida public adjuster is a licensed professional who represents you, the policyholder, not the insurer, and whose fee is capped at 20% of the claim payment (10% for declared-emergency claims in the first year). Ocean Point (FL DFS #W829547) documents the loss, prepares the estimate, negotiates the settlement, and can escalate to appraisal, mediation, or a Civil Remedy Notice, working to pursue the full value your policy supports.
Our process
How does the claim process work, from first call to payment?
- 1Free claim review
Call us, submit a form, or upload your denial letter / insurer estimate. A licensed adjuster evaluates the claim at no cost.
- 2Retention
If your claim is suitable for PA representation, we sign a contingency-fee agreement. The 10-day right-to-cancel applies.
- 3Inspection and documentation
A licensed Ocean Point adjuster inspects the property and prepares the detailed scope.
- 4Policy review + estimate
We review your policy in depth and prepare a Xactimate estimate matched to the documented scope.
- 5Submission and negotiation
We submit the claim package and negotiate directly with the carrier on scope and pricing.
- 6Resolution
Settled directly, or escalated through appraisal, mediation, or CRN. With counsel's involvement where appropriate, litigation.
- 7Payment
Carrier issues payment. Our contingency fee is calculated against the recovery.
What we handle
What does a public adjuster handle?
Public adjusting is the end-to-end representation of a policyholder in a property insurance claim. When you retain Ocean Point, we handle every phase:
Inspect & document
We capture the full scope of damage with moisture meters, thermal imaging, and drone / Matterport.
Prepare the estimate
Built in Xactimate, the same platform the carrier's adjuster uses, scoped to pre-loss condition.
Submit & manage
We handle correspondence, proof-of-loss filings, and scheduled examinations with the carrier.
Negotiate the settlement
We negotiate the settlement scope and pricing with the carrier, item by item.
Escalate when needed
We advance the claim through appraisal, mediation, or Civil Remedy Notice when carriers will not pay fairly.
What it costs
What does a public adjuster cost in Florida?
Contingency fee · capped by Florida statute · 10-day right to cancel
| Claim type | Fee cap (Fla. Stat. 626.854) |
|---|---|
| Standard property claim | Up to 20% of the claim payment |
| Declared-emergency claim, first year after the declaration | Up to 10% of the claim payment |
| Your right to cancel | 10 days after signing the written contract |
Key takeaway: the fee is a percentage of what you recover, capped by statute, and cannot be increased because of litigation.
$0
Up front, nothing to start your claim
$0
If there’s no recovery, no fee, ever
Our fee is a percentage of the recovery, regulated by Florida Statute 626.854. The specific percentage, within Florida’s statutory caps, is disclosed and agreed in writing before any work begins.
A documented result
What representation recovered on one Hurricane Ian claim
Will’s Cape Coral carrier offered $12,600 before it was ordered into receivership. Ocean Point rebuilt the claim through the Florida Insurance Guaranty Association (FIGA) and recovered $251,045.
$12,600
The carrier’s initial offer
$251,045
What Ocean Point recovered
+1,892%
Increase over the offer
Read the full case: Will’s Cape Coral Hurricane Ian claim through FIGA
FAQ
Public adjuster FAQ
What does a public adjuster do?
A Florida-licensed public adjuster represents you, the policyholder, in negotiating a property insurance claim. Activities include inspecting the loss, documenting damage, preparing a detailed estimate (typically in Xactimate), submitting and managing the claim with the carrier, and negotiating the settlement. When the carrier refuses to pay fairly, the PA can advance the claim through appraisal, mediation, or Civil Remedy Notice.
How much does a public adjuster cost in Florida?
Public adjusters in Florida work on contingency: you pay nothing up front, and the adjuster is paid only if you recover. Florida caps fees by statute (Fla. Stat. 626.854), with a reduced cap for claims arising from declared emergencies during the first year after the declaration. Fees are capped and cannot be increased because of litigation, and the specific fee is disclosed in writing before signing.
Public adjuster vs. insurance company adjuster: what's the difference?
A company adjuster is an employee of the insurance carrier. An independent adjuster is retained by the carrier. A public adjuster represents the policyholder exclusively. Only public adjusters and attorneys can represent you in negotiations with your insurer. Of those two, the PA is contingency-based and typically less expensive.
When should I hire a public adjuster?
As early as possible: typically before or immediately after the carrier's first inspection. Early engagement means the claim is documented correctly from the start. That said, we also handle denied, underpaid, delayed, reopened, and supplemental claims at later stages.
Is this right for you?
Should you hire a public adjuster, or handle the claim yourself?
Bottom line: representation usually helps most when a claim is denied, underpaid, delayed, or complex, or when the loss is large enough that a scope dispute is worth thousands. For a small, clearly covered loss, self-representation can be the right call, and we will tell you when it is.
Who it is for: Florida policyholders who want a licensed adjuster (Ocean Point Claims, FL DFS #W829547) documenting the loss to what the policy and Florida law actually owe, on contingency, with a 10-day right to cancel under Fla. Stat. 626.854.
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Get a free claim review- License
- FL DFS #W829547
- Experience
- 21 years · 500+ mediations
- Rating
- 4.9★ (86 Google reviews)
- Fee
- No recovery, no fee